You must first consider your banking needs thinking as to how and why you will use this banking account for. Then, you decide on either a bank or credit union and investigating to make sure they're legitimate and insured. You then decide on the institution and look at the kinds of checking accounts they offer.
Step 2: Opening Your Checking Account
Gathering the Information
You then must gather the necessary information and documents needed to certify your identity such as your Social Security Number, state-issued driver's license or passport.
Step 3: Bring a Payment
You must bring cash or some form of payment since opening a checking account will most likely have a minimum account balance. If you don't meet it, you could be charged a fee. You're often given a day or so to make a deposit and bring the account up to the minimum before you're charged.
Step 4: Speaking with a Representative
Once you have your documents together, you must visit a representative at whichever banking branch. You'll be referred to one of the bank managers or financial consultants. They will speak to you about the account and see what options are best for you. You may ask them questions about your financial and banking situation, any fees associated with the account, and if you can manage your bank account through the phone or online.
Step 5: Finally Opening It
You'll have to deposit the minimum balance and submit an electronic signature that will show how you'll sign checks. After this, you can order personalized checks and if you plan on using a debit card, it will take a few days for them to come in the mail.